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Mental Injuries- Part 3: Implications for Disability Insurers and Workers’ Compensation

Workers' Compensation Perspectives

The apparent rise in mental disability claims is a significant issue for disability insurers and workers’ compensation systems. I accept the following as a fundamental principle for workers’ compensation: If work is the cause of injury and disability, then the compensation and treatment should be funded by the employer.

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Are Workers’ Compensation benefits protected against the rising cost of living?

Workers' Compensation Perspectives

The COLA escalator is automatic but wage loss benefits are offset by disability benefits a worker receives from CPP and QPP at a rate of 50%. This partial integration or offset is common in workers’ compensation and disability insurance, although the degree of integration (and which benefit is reduced) varies.